Negotiating against a low ball Partners Mutual settlement offer Injured? Lawyer up before you sign a check.

Partners Mutual Settlement Payout Process:

  1. Partners Mutual claim phone number: Call the number on the back of your proof of insurance card or dial the national phone number: (800) 551-5151.
  2. Claim time limit: Most states have strict yet complex statute of limitations rules such as “you must bring a claim within 3 years of the date of discovery of the injury”. It’s complicated. Act fast - the insurance company will.
  3. Repair shops: Partners Mutual requests insurance customers to use a Partners Mutual-approved auto repair facility. However, this suggestion serves only to save the insurance company money. In reality, you can go wherever you want for repair service. Tell your insurance company your favorite auto shop will do the work.
  4. Settlement negotiation: Insurance companies like Partners Mutual Insurance Association have teams of professionals dedicated to limiting or denying your settlement offer and payout. For small claims not involving injury, you might want a lawyer for property damage or a bad faith insurance claim. If you were injured, a personal injury lawyer can help you assess all damages. 
  5. Reviews for Partners Mutual Insurance Association: Partners Mutual Google Review page

No win. No fee. Free Case Assessment.

How can I get a higher settlement from my Partners Mutual Insurance Claim?

Partners Mutual Insurance Company is a Wisconsin-based company offering auto, home, and business insurance in Wisconsin and Iowa. On their website, they pledge “Coverage when you need it most.” It sounds promising, but 80% of policyholders on one website indicated they were “very unsatisfied” with Partners Mutual. Unfortunately, it’s the nature of the insurance business to maximize profits, and one way to do this to minimize payouts on claims.

The best way to maximize your settlement is with the backing of an experienced personal injury law firm. Warshafsky Law has extensive experience negotiating a good settlement for auto accident victims when insurance companies fail to make fair offers. Because we have attorneys who have worked for insurance companies, we know exactly how insurance companies operate and how to deal with their tactics.

If your injury occurred on workplace property, while using workplace vehicles, or while carrying out the duties of your job, speak with a workplace accident attorney to discuss the true value of your claim.

Injured? it is about the money®

How do I get my Partners Mutual settlement check?

Like virtually all insurance companies today, Partners Mutual allows you to file a claim by phone or online. Their website says: “Our goal is to process your claim promptly and settle it fairly.” They do seem serious about moving quickly, as their website says claims are assigned to a claims adjuster no later than the next day and within 24 hours of that a claims adjuster will contact you.

After Partners Mutual has looked into your accident, they’ll decide how much they’ll pay on your claim. Like most insurance companies, they’ll send a settlement check along with a short letter. Don’t be surprised if it’s far less than you’re expecting.

If your accident has kept you from working and the bills are piling up, it will be tempting to deposit the settlement check. Don’t! At least not until you’ve had a chance to get an experienced personal injury attorney’s opinion. Almost all firms offer a free initial consultation, including Warshafsky Law. Their check is nothing more than an offer of settlement. It can be negotiated, but not if you deposit the check. Once you do that, you’ve implicitly accepted their settlement offer and there can be no negotiations.

Factors affecting your Partners Mutual payout

After your claim has been filed, a claims adjuster from Partners Mutual will gather as much information as possible about your accident from all available sources, including:

  • The police report
  • Passenger witness statements
  • Photos and measurements from the scene
  • Researching repair estimates
  • Anything you tell them

During the course of this information gathering, you may be asked to sign a medical records release form.  Unless you want your insurance company rifling through your entire medical history, don’t sign anything until you’ve consulted a lawyer. If there’s anything in your history they can use to dispute your claim, whether it’s relevant or not, they’ll use it. A good lawyer will be able to advise you on which medical records are relevant to your insurance company.

DIY Personal injury claims: handling a Partners Mutual claim on your own

You’re probably considering handling the claims process on your own, with the belief your insurance company will come through for you after years of being a loyal, bill-paying policyholder. Unfortunately, insurance companies are in the business of making money—and paying out big settlements isn’t part of their business plan.

If you’re going to handle your claim without the help of an attorney, you need to know the risks you face. To get an idea of what you’re up against, we suggest reading up on common insurance company practices used to keep you from getting a fair settlement.

DIY Insurance Claim Tips:

Be Careful What You Say.

Your phone call with the claims adjuster will probably be recorded, and any misstatement—however innocent—can be used by the insurance company to dispute your claim, or deny it completely. If you’re not prepared for the call, tell the claims adjuster you’re not able to talk right now and ask for a callback number. Never admit to being even partially at fault for the accident.

Document all Your Contacts with Partners Mutual.

After every phone call with the insurance company, follow up with a short email or letter reiterating what steps they told you they’d be taking to resolve your claim. If they later try to backtrack on any promises they made, or accuse you of not being timely in following through with your claim, you’ll have a paper trail to show otherwise.

It's You Against Them…A Lot of Them.

You might think you’re only dealing with the claims adjuster you’ve spoken with and emailed, but there’s an army of managers and attorneys above the claims adjuster. If you’re not making any progress with your contact, you can ask to speak to another adjuster or a manager. Ultimately, though, you’re never going to get the one person with the authority to make a decision.

If it seems like it’s taking forever to get your claim settled, that’s part of the plan.

Delaying claims past the statute of limitations is a common tactic insurance companies use to shut you out of taking legal action. In Wisconsin, the statute of limitations for filing suit against an insurance company is 3 years. This might seem like a long time, but you’d be amazed how insurance companies can drag their feet on claims. Once your case hits the 3-year mark, you’re stuck with whatever lowball settlement offer they make.

How to negotiate against a lowball settlement offer

The best way to improve your odds of a fair payout is to let a professional injury lawyer deal with the attorneys at the insurance company.

Although a lawyer is your best bet, there are some tips you can try to help you increase your settlement amount:

1. Don't lose your cool

Getting the runaround from an insurance company is enough to make anyone crazy, but you need to resist the temptation to get upset. Keep your verbal and written communications as civil as possible.

2. Document all your expenses

Keep records of all your expenses since your accident—medical bills, travel expenses to and from doctor appointments, lost income from being unable to work, even the bandages and over-the-counter pain medication you had to buy. You can also make a claim for pain and suffering, as evidenced by medications you’ve been prescribed and statements from your doctor, physical therapist, and chiropractor.

3. Get the medical care you need

If you’re thinking about skipping out on doctor appointments or other medical care because you’re concerned about what it’s going to cost, don’t. You have every right to get the treatment you need, and your insurance company has an obligation to cover the costs.

4. Talk to a Lawyer

Any good personal injury law firm offers a free initial consultation, Warshafsky Law included. Take advantage of it. At Warshafsky, you’ll meet with one of our experienced personal injury attorneys, not a paralegal. We’ll give you our opinion on the settlement your insurance company should be offering and tell you how we’d handle your case.

5. Hire an experienced Personal Injury Lawyer

The best way to get the settlement you deserve is to hire an attorney. Warshafsky Law has a long history of winning record-setting judgments and securing massive settlements from insurance companies. Nothing strikes fear in their hearts like hearing you’ve retained Warshafsky Law.

Knowing what your claim is worth: Partners Mutual settlement amounts

Insurance companies spend obscene amounts of money on advertising designed to persuade you they’ll be there when you need them, then do everything they can to pay as little as possible on policyholders' claims. It’s easy for them to give you the runaround and delay payment on your claim, but things change quickly when you’re represented by Warshafsky Law.

While many personal injury law firms boast about how many cases they settle every year, these firms are only interested in settling cases quickly so they can collect their fees and move onto the next case. Insurance companies know these “sign and settle” law firms never even set foot in a courtroom, so they get away with lowball settlement offers.

Aggressive Legal Representation Makes the Difference

Unlike the sign and settle law firms, Warshafsky Law prepares every case for trial from day one, and insurance companies know it. When faced with the possibility of losing at trial and having to pay big, insurance companies suddenly desire to work something out. If we can get you the money you deserve, we’ll recommend a settlement. If not, we’ll take your insurance company to court.

You don’t have to be wealthy to afford representation by Warshafsky Law. You won’t owe a thing until your case is resolved and you’ve been compensated, and our No Win, No Fee policy ensures you have nothing to lose by hiring us. Take advantage of our free initial consultation to get a professional opinion on the true value of your case.

Contact our personal injury law firm to schedule a free initial legal consultation today on your personal injury claim.

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